| Here are some easy things you can do to avoid | | | | forever, even if you have to make a claim |
| overpaying for your car insurance. Try these 8 | | | | somewhere down the line. |
| ideas to see how much you could save. We know | | | | Look at what excess you have on your current |
| we all need to have car insurance, but it\'s not | | | | policy, this is the amount you pay before the |
| getting any easier in these days of financial | | | | insurer picks up the claim. Choosing to have a |
| turmoil. That doesn\'t mean you have to blindly | | | | higher than standard excess level will usually mean |
| pay whatever your insurer quotes though, as | | | | lower premiums. How secure is your vehicle is the |
| there are several simple things you can do to | | | | next question to ask yourself. By fitting a proper |
| reduce the cost of your premiums. First, shop | | | | alarm and immobiliser it can also reduce your |
| around and buy online: Figures show that many | | | | premium. Parking you car off-road, for example |
| people simply renew their current policies without | | | | on a driveway or in a garage, will also mean a |
| shopping around. The internet makes it easy to | | | | cheaper policy. By paying your car insurance |
| compare prices from different insurers, so why | | | | annually, you will save compared to paying |
| not take advantage of this? On top of that, most | | | | monthly premiums. Pay annually if you can afford |
| insurance companies usually offer a minimum ten | | | | it to avoid this, or look for one of the companies |
| percent discount for buying online. | | | | who don\'t charge extra for monthly payment. |
| Now, think about what kind of policy your car and | | | | You will save on your insurance if you\'re a social |
| situation merits. For example, if you go for third | | | | user instead of a commuter as you\'re likely to |
| party, fire & theft, you can significantly | | | | have a lower mileage which you will get a discount |
| reduce your monthly premiums compared to a | | | | for. Even if you are a commuter or use your car |
| comprehensive policy. Thirdly, there\'s the no | | | | a lot, make sure you accurately calculate your |
| claims discounts: Nearly all policies feature a | | | | mileage as you may be overestimating causing |
| discount that increases for every year you don\'t | | | | you to have higher than necessary premiums. |
| make a claim. The higher the discount available, | | | | These are just some of the means to save on |
| the more you could save. Also look at insurers | | | | your automobile insurance coverage, so start |
| offering a \'no claims bonus for life\' feature, | | | | looking and saving today. |
| where your current discount level can be fixed | | | | |